2350 Fern Flat Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 2350 Fern Flat Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,883 sqft · built 1982
Lot Size	4.07 acres (177,681 sqft)
Owner	2 Company Names on File
Last Sale	$1,212,500 (Sep 2023)
Tax Bill	$11,082 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-391-28`

Property Details

APN / Parcel Number

Primary APN	`105-391-28`
Alternative APN	`105-391-28-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,883 sqft Living Area
Gross Area	2,603 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	177,681 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2350 FERN FLAT RD
City	APTOS
State	CA
Zip	95003-9547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	PM9 49
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	2350 FERN FLAT RD, APTOS, CA 95003-9547
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Intrafamily Transfer, Transfer
Sep 8, 2025	Intrafamily Transfer, Transfer
Sep 11, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Feb 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage ACCOUNT NO 821305

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Deed Document Number	202316999
Last Transfer Date	Sep 6, 2025
Transfer Doc	0000018786
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 8, 2025
Property Address	2350 FERN FLAT RD, APTOS, CA 95003-9547
Document Number	0000018785
Map Reference	VOL 9 PG 49
Instrument Date	Sep 6, 2025
Instrument	2025-0018785
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2350 FERN FLAT RD, APTOS, CA 95003-9547

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 8, 2025
Property Address	2350 FERN FLAT RD, APTOS, CA 95003-9547
Document Number	0000018786
Map Reference	VOL 9 PG 49
Instrument Date	Sep 6, 2025
Instrument	2025-0018786
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2350 FERN FLAT RD, APTOS, CA 95003-9547

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2023
Property Address	2350 FERN FLAT RD, APTOS, CA 95003-9547
Document Number	0000016999
Map Reference	VOL 9 PG 49
Instrument Date	Aug 25, 2023
Instrument	2023-0016999
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2350 FERN FLAT RD, APTOS, CA 95003-9547

Mortgage

Document Number	0000017000
Date	Sep 11, 2023
Instrument	2023-0017000

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2350 FERN FLAT RD, APTOS, CA 95003-9547
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2350 FERN FLAT RD, APTOS, CA 95003-9547

Mortgage

Document Number	0000002038
Date	Feb 7, 2023
Instrument	2023-0002038

Lender

Name	ACCOUNT NO 821305
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Aug 1, 2023

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$927,640 (+2%) Land $630,795 Building $296,845
2025	$11,082.00 (+138.48%) Homeowner's exemption	$909,451 (+146.81%) Land $618,426 Building $291,025
2023	$4,647.00 (+2.2%) Homeowner's exemption	$368,477 Land $191,414 Building $177,063	$1,059,300
2022	$4,547.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Etheric Networks, Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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